Checking 101


Checking 101 is designed specifically for your college student!

Only $50 is required to open the account and it is entirely a free service! No service charges, no minimum balance required, unlimited check writing, and no per check charge!

Checking 101 also includes:
Happy State Bank Oops! Card

  • Free HAPPY Online Banking Services with Online Bill Pay.
  • Free 24 Hour OnCall Phone help you keep your account balanced.
  • Free imaged statements.
  • Free incoming wires (handy when you need money from mom and dad!).
  • Free auto transfers between accounts.
  • Free auto debits between accounts to help you manage your money and keep a positive balance.
  • Free debit card. Use it to buy stuff anywhere MasterCard® is accepted, or use it free at any of our Happy State Bank ATM's or any ATM within the Money Pass network located throughout the country. See for availability.
  • Free first order of checks customized with WTAMU, AC, Tech, UT, or A&M logo! Other logos may be available. Speak with a Happy State Bank representative for more information.
  • Free Oops! Card. We know stuff happens and mistakes are made. Use your Oops! Card for a one-time refund for an insufficient check fee or a stop payment fee.